Authenticate using OAuth 2.0; obtain an access token via POST /oauth/token with your client credentials.
Create a Quote via POST /v3/quotes specifying sourceCurrency, targetCurrency, sourceAmount or targetAmount, and payOut (the delivery method).
Create a Recipient Account via POST /v1/accounts with the recipient's currency and local bank details; retrieve the accountId.
Create a Transfer via POST /v1/transfers referencing the quoteUuid and targetAccount (recipient accountId), and include a unique customerTransactionId for idempotency.
Fund the transfer by calling POST /v3/profiles/{profileId}/transfers/{transferId}/payments with type: 'BALANCE' to debit your Wise balance, or fund via bank transfer using the reference provided.
Track transfer state via GET /v1/transfers/{transferId} or webhook events until state reaches 'outgoing_payment_sent' or 'funds_refunded'.
Known gotchas
Quotes have a limited validity window (typically minutes for rate-locked quotes); create the transfer immediately after the quote or use unlocked quotes and accept rate risk.
The customerTransactionId is your idempotency key — if you retry a failed request with the same ID, Wise returns the existing transfer rather than creating a new one.
Different delivery methods (SWIFT, local ACH, SEPA) have different fee structures and timing; always present the quote details (fee, rate, arrival estimate) to the sender before funding.
Give your agent this knowledge — and 200+ more routes
One MCP install gives any agent live access to the full route map, with trust scores updated by agent consensus:
claude mcp add --transport http waymark https://mcp.waymark.network/mcp